What is an Appraisal

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

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"We met with Gena of GoodLife several years back when we first started thinking of buying a home. She very patiently worked with us while we went back and forth on the decision then ultimately decided not to buy. Our meetings and interactions with her made me appreciate that she was not just trying to sell us something but that she wanted to help us make a sound financial decision. She always erred on the side of caution in estimating our costs and income, so it almost feels like we have "extra" money now that we actually went through the process this year and bought a home. Also she got us a sweet rate as rates were going up. Last but not least as a woman I appreciated that she dealt directly with me and put my name on all the paperwork! A lot of businesses put my husband's name on the papers either first or just instead of mine so I thought that was a nice touch." Audrey Carmical